The 5 Dumbest Things You Can Do if You Have too Much Debt

The 5 Dumbest Things You Can Do if You Have too Much Debt

If you’re struggling with too much debt, you’re not alone.  It seems as if the whole nation has a borrowing hangover.  For years, credit was easy, and many people became overextended.  But, we now live in an era of austerity and it’s time to get our affairs in order.
The five strategies you may want to avoid:
The first piece of advice from experts in the financial field is to be sure you don't make your situation worse by making common mistakes.  In particular, try to avoid:
1. Paying only the minimum payment on your debt, as this will result in the amount you owe actually growing, and your problems will only become worse.
2. Relying on friends and family, as this can damage relationships with the most important people in your life.
3. Unscrupulous credit counselors that demand cash upfront or high fees for help they promise, but don't deliver.
4. Using new, high-interest loans to pay off lower interest rate loans. While it may be easier to just have one payment, it will actually increase the amount you have to pay back.
5. Declaring bankruptcy--this can have permanent and severe consequences on your financial future. Avoid it if you can, especially when debt settlement may work for you.

Debt Settlement

For many people, working with a debt settlement company can actually be a great solution.  You’ve probably heard a lot of advertising for these services recently, but what exactly do they do?
Debt settlement is the process of negotiating with creditors to get them to forgive a big portion of your debt.  Why would a credit card company do this? Well, it’s not out of the generosity of their heart. They have made the financial calculations and determined they are better off knowing for certain that they’ll get paid something, rather than not knowing if they will get paid anything.
Settlement companies work with individual consumers to determine a reasonable, monthly amount that they can afford to pay against their debt load.  The individual makes the affordable payment every month into a special-purpose account, and as these funds accumulate, the settlement company reaches out to creditors to negotiate a full and final actual settlement amount that they will take. The debt settlement company only charges a fee after they have achieved a satisfactory settlement for you.

Typically, these companies have excellent relationships with creditors and are negotiating on behalf of thousands of people every day.  The amount of savings they can obtain for consumers can be significant.

The Cab Ride

The Cab Ride

I arrived at the address and honked the horn. 
After waiting a few minutes I walked to the door and knocked..

'Just a minute', answered a frail, elderly voice.

I could hear something being dragged across the floor

After a long pause, the door opened. A small woman in her 90's stood before me.

She was wearing a print dress and a pillbox hat with a veil pinned on it, like somebody out of a 1940's Movie.

By her side was a small nylon Suitcase.

The apartment looked as if no one had lived in it for years.

All the furnitures were  covered with sheets.

There were no Clocks on the walls, no knickknacks or utensils on the counters.

In the corner was a cardboard box filled with Photos and  Glassware

'Would you carry my bag out to the car?' she said.

I took the suitcase to the Cab, then returned to assist the woman.She took my arm and we walked slowly toward the curb.

She kept  thanking me for my kindness. 'It's nothing', I told her.. 'I just try to treat my passengers the way I would want my mother to be treated.'

'Oh, you're such a good boy, she said. When we got in the cab,she gave me an address and then asked, 'Could you drive through downtown?'

'It's not the shortest way,' I answered quickly..
'Oh, I don't mind,' she said. 'I'm in no hurry. I'm on my way to a hospice.

I looked in the rear-view Mirror. Her eyes were glistening.

'I don't have any family left,' she continued in a soft voice.

‘The doctor says I don't have very long’.

I quietly reached over and shut off the Meter.

'What route would you like me to take?' I asked.

For the next two hours, we drove through the city. She showed me the building where she had once worked as an elevator operator.

We drove through the neighborhood where she and her husband had lived when they were newlyweds. She had me pull up infront of a furniture warehouse that had once been a ballroom where she had gone dancing as a Girl.

Sometimes she'd ask me to slow in front of a particular building or corner and would sit staring into the darkness, saying nothing.

As the first hint of sun was creasing the horizon, she suddenly said, 'I'm  tired. Let's go now'.

We drove in silence to the address she had given me. It was a low building, like a small convalescent home,with a driveway that passed under a portico.

Two orderlies came out to the cab as soon as we pulled up. They were  solicitous and intent, watching her every move.  They must have been expecting her.

I opened the trunk and took the small suitcase to the door.

The woman was already seated in a wheelchair.

'How much do I owe you?' She asked, reaching into her Purse.

'Nothing,' I said

'You have to make a living,' she answered.

'There are other passengers,' I responded.

Almost without thinking, I bent and gave her a hug. She held onto me tightly.

'You gave an old woman a little moment of joy,' she said 'Thank you.'

I squeezed her hand, and then walked into the dim morning light.

Behind me, a door shut. It was the sound of the closing of a life.

I didn't pick up any more passengers that shift. I drove aimlessly lost in thought.

For the rest of that day, I could hardly talk. What if that woman had  gotten an angry driver, or one who was impatient to end his shift?
What if I had refused to take the run, or had honked once, then driven away?

On a quick review, I don't think that I have done anything  more important in my life.

We're conditioned to think that our lives revolve around great moments.

But great moments often catch us unaware-beautifully wrapped in what others may consider a small one.

PEOPLE MAY NOT REMEMBER EXACTLY WHAT YOU DID,OR WHAT YOU SAID ~BUT~THEY WILL ALWAYS REMEMBER

HOW YOU MADE THEM FEEL

You won't get any big surprise in 10 days if you send this ahead.

But, you might help make the world a little kinder and more compassionate by sending it on and reminding us that often it is the random acts of  kindness that most benefit all of us.

Thank you, my friend….

Life may not be the party we hoped for, but while we are here we might as well dance.

Have a successful and productive day.........

Each moment in a day has its own value

Morning brings Hope...

Afternoon brings Faith..

Evening brings Love....

And

Night brings Rest...

Wish you find them all today.

Business Is Business.

One day in a school in London , a teacher said to a class of 5-year-olds …
I'll give 10 pounds to the child who can tell me who was the most famous man who ever lived."

An Irish boy put his hand up and said, "It was St. Patrick."

The teacher said, "Sorry Paddy, that's not correct."

Then a Scottish boy put his hand up and said, "It was St. Andrew."

The teacher replied, "I'm sorry, Hamish, that's not right either."

Then a Jewish boy put his hand up and said "David",

The Buddhist boy said "Gautama Buddha" and the Muslim boy said "Mohammed".

They all were not successful.

Finally, a Gujju boy raised his hand and said, "It was Jesus Christ."

The teacher said, "That's absolutely right, Jignesh, come up here and I'll give you the 10 pounds that I promised."

As the teacher was giving Jignesh his money, she said, "You know Jignesh, since you're a Hindu Gujarati; I was very surprised you said Jesus Christ."
 Jignesh replied, "Yes. In my heart I knew it was Krishna ,  but Bijness is   Bijness !!!!!! (Read Business)
 Moral: Talk the language which listener (Customer) wants, not that which
you know.

CAUTION . . . . .WARNING . . . . . . . .

A MESSAGE FROM THE OFFICE OF ATTORNEY GENERAL STATE OF MICHIGAN :

SITUATION...
While driving on a rural end of the roadway on Thursday morning, I saw an infant car seat on the side of the road with a blanket draped over it.
For whatever reason, I did not stop, even though I had all kinds of thoughts running through my head. But when I got to my destination, I called the Canton PD and they were going to check it out. But, this is what the Police advised even before they went out there to check....
"There are several things to be aware of ... gangs and thieves are now plotting different ways to get a person (mostly women) to stop their vehicle and get out of the car.
"There is a gang initiation reported by the local Police Department where gangs are placing a car seat by the road...with a fake baby in it....waiting for a woman, of course, to stop and check on the abandoned baby.
"Note that the location of this car seat is usually beside a wooded or grassy (field) area and the person -- woman -- will be dragged into the woods, beaten and raped, and usually left for dead. If it's a man, they're usually beaten and robbed and maybe left for dead, too.
DO NOT STOP FOR ANY REASON!!! DIAL 9-1-1 AND REPORT WHAT YOU SAW, BUT DON 'T EVEN SLOW DOWN.
"IF YOU ARE DRIVING AT NIGHT AND EGGS ARE THROWN AT YOUR WINDSHIELD, DO NOT STOP TO CHECK THE CAR, DO NOT OPERATE THE WIPER AND DO NOT SPRAY ANY WATER BECAUSE EGGS MIXED WITH WATER BECOME MILKY AND BLOCK YOUR VISION UP TO 92.5%, AND YOU ARE THEN FORCED TO STOP BESIDE THE ROAD AND BECOME A VICTIM OF THESE CRIMINALS.
THIS IS A NEW TECHNIQUE USED BY GANGS, SO PLEASE INFORM YOUR FRIENDS AND RELATIVES.
THESE ARE DESPERATE TIMES AND THESE ARE UNSAVORY INDIVIDUALS WHO WILL TAKE DESPERATE MEASURES TO GET WHAT THEY WANT."
Please talk to your loved ones about this. This is a new tactic used. Please be safe.
Get started NOW -- SEND THIS MESSAGE TO ALL YOUR FRIENDS AND LOVED ONES TO BE CAREFUL AND AWARE OF EVERYTHING AROUND THEM SO AS NOT TO BECOME A VICTIM.
WARNING # 2

Some knew about the red light on cars, but not the 112.
It was about 1:00 p.m. in the afternoon, and Lauren was driving to visit a friend. An UNMARKED police car pulled up behind herand put his lights on. Lauren's parents have always told her never to pull over for an unmarked car on the side of the road,but rather to wait until they get to a gas station, etc.
Lauren had actually listened to her parents advice, and promptly called112 on her cell phone to tell the police dispatcher that she would not pull over right away. She proceeded to tell the dispatcher that there was an unmarked police car with a flashing red light on his rooftop behind her. The dispatcher checked to see if there were police cars where she was and there weren't, and he told her to keep driving, remain calm and that he had back up already on the way.
Ten minutes later 4 cop cars surrounded her and the unmarked car behind her. One policeman went to her side and the others surrounded the car behind. They pulled the guy from the car and tackled him to the ground. The man was a convicted rapist and wanted for other crimes.
I never knew about the 112 Cell Phone feature, but especially for a woman alone in a car, you should not pull over for an unmarked car. Apparently police have to respect your right to keep going to a safe place.
*Speaking to a service representative at Bell Mobility confirmed that 112 was a direct link to State trooper info.So, now it's your turn to let your friends know about 112.
You may want to send this to every woman (and man) you know; it may save a life.
This applies to ALL 50 states

Never Forget The One Who Made You.............

One young academically excellent person went to apply for a managerial position in a big company. He passed the first interview, the director did the last interview, made the last decision. The director discovered from the CV that the youth's academic achievements were excellent all the way, from the secondary school until the postgraduate research, never had a year when he did not score. The director asked, "Did you obtain any scholarships in school?" the youth answered "none". The director asked, " Was it your father who paid for your school fees?" The youth answered, "My father passed away when I was one year old, it was my mother who paid for my school fees. The director asked, " Where did your mother work?" The youth answered, "My mother worked as clothes cleaner. The director requested the youth to show his hands. The youth showed a pair of hands that were smooth and perfect. The director asked, " Have you ever helped your mother wash the clothes before?" The youth answered, "Never, my mother always wanted me to study and read more books. Furthermore, my mother can wash clothes faster than me. The director said, "I have a request. When you go back today, go and clean your mother's hands, and then see me tomorrow morning.* The youth felt that his chance of landing the job was high. When he went back, he happily requested his mother to let him clean her hands. His mother felt strange, happy but with mixed feelings, she showed her hands to the kid. The youth cleaned his mother's hands slowly. His tear fell as he did that. It was the first time he noticed that his mother's hands were so wrinkled, and there were so many bruises in her hands. Some bruises were so painful that his mother shivered when they were cleaned with water. This was the first time the youth realized that it was this pair of hands that washed the clothes everyday to enable him to pay the school fee. The bruises in the mother's hands were the price that the mother had to pay for his graduation, academic excellence and his future. After finishing the cleaning of his mother hands, the youth quietly washed all the remaining clothes for his mother. That night, mother and son talked for a very long time. Next morning, the youth went to the director's office.. The Director noticed the tears in the youth's eyes, asked: " Can you tell me what have you done and learned yesterday in your house?" The youth answered, " I cleaned my mother's hand, and also finished cleaning all the remaining clothes' The Director asked, " please tell me your feelings." The youth said, Number 1, I know now what is appreciation. Without my mother, there would not the successful me today. Number 2, by working together and helping my mother, only I now realize how difficult and tough it is to get something done. Number 3, I have come to appreciate the importance and value of family relationship. The director said, " This is what I am looking for to be my manager. I want to recruit a person who can appreciate the help of others, a person who knows the sufferings of others to get things done, and a person who would not put money as his only goal in life. You are hired. Later on, this young person worked very hard, and received the respect of his subordinates. Every employee worked diligently and as a team. The company's performance improved tremendously. A child, who has been protected and habitually given whatever he wanted, would develop "entitlement mentality" and would always put himself first.. He would be ignorant of his parent's efforts. When he starts work, he assumes that every person must listen to him, and when he becomes a manager, he would never know the sufferings of his employees and would always blame others. For this kind of people, who may be good academically, may be successful for a while, but eventually would not feel sense of achievement. He will grumble and be full of hatred and fight for more. If we are this kind of protective parents, are we really showing love or are we destroying the kid instead?* You can let your kid live in a big house, eat a good meal, learn piano, watch a big screen TV. But when you are cutting grass, please let them experience it. After a meal, let them wash their plates and bowls together with their brothers and sisters. It is not because you do not have money to hire a maid, but it is because you want to love them in a right way. You want them to understand, no matter how rich their parents are, one day their hair will grow gray, same as the mother of that young person. The most important thing is your kid learns how to appreciate the effort and experience the difficulty and learns the ability to work with others to get things done.

 

Beautiful Words . . . . . . . . . . . . . . . .

Someone has written these beautiful words. Must read and try to understand the deep meaning of it. They are like the ten commandments to follow in life all the time. 

1] Prayer is not a "spare wheel" that you pull out when in trouble, but it is a "steering wheel" that directs the right path throughout.

2] A Car's WINDSHIELD is so large & the Rear view Mirror is so small? Because our PAST is not as important as our FUTURE. So, Look Ahead and Move on.

3] Friendship is like a BOOK. It takes few seconds to burn, but it takes years to write.

4] All things in life are temporary. If going well, enjoy it, they will not last forever. If going wrong, don't worry, they can't last long either.

5] Old Friends are Gold! New Friends are Diamond! If you get a Diamond, don't forget the Gold! Because to hold a Diamond, you always need a Base of Gold!

6] Often when we lose hope and think this is the end, GOD smiles from above and says, "Relax, sweetheart, it's just a bend, not the end!

7] When GOD solves your problems, you have faith in HIS abilities; when GOD doesn't solve your problems HE has faith in your abilities.

8] A blind person asked St. Anthony: "Can there be anything worse than losing eye sight?" He replied: "Yes, losing your vision!"

9] When you pray for others, God listens to you and blesses them, and sometimes, when you are safe and happy, remember that someone has prayed for you..

10] WORRYING does not take away tomorrow's TROUBLES, it takes away today's PEACE.